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1 Non-CPB ATMs may impose surcharges that are separate from and in addition to our Non-CPB ATM Transaction Fees and should disclose their surcharge fee at the beginning of the transaction.2 We will reimburse you up to $3 per transaction for ATM surcharges from other banks and ATM operators incurred on your Exceptional Checking account for ATM usage nationwide.3 Subject to credit application and approval. Interest charges and other fees may apply.4 $45 discount includes a $5 discount for automatic payment of rental fees. Automatic payment from an eligible CPB account is required.

Interest rates and annual percentage yields are subject to change on a daily basis.
Fees may reduce earnings on accounts.

$1.50 Paper Statement Fee per statement unless the account is enrolled in Online Statements; is linked to a personal Exceptional Plan; or has maintained an average balance of $500 or more for the statement period

Checks

Free CPB Beautiful Hawaii checks or up to $20 off any style, per order

Free first order of 50 checks

ATM Fee Waivers and Rebates

No ATM transaction fees when you use CPB ATMs2,3

Non-CPB ATM Transaction Fees are waived when you use any non-CPB ATM worldwide3

ATM Surcharge Rebates when you use any non-CPB ATM in Hawaii and on the mainland (up to $3 per transaction)3,4

No ATM transaction fees when you use CPB ATMs2,3

Incoming Wire Transfer Fee Waiver

Yes

Not a benefit

Sweep Option

Option to sweep funds over a selected balance amount daily into an Exceptional Savings or Exceptional Super Savings account to maximize earnings

1Value Checking accounts with zero balance for 60 or more consecutive calendar days will be closed automatically without notice. For more details, visit any branch or contact our Customer Service Center.2Transactions made at non-CPB ATMs are subject to our Non-CPB ATM Transaction Fees. Non-CPB ATM Transaction Fees are waived for Exceptional Checking accounts and Value Checking accounts with Plus Package.3Non-CPB ATMs may impose surcharges that are separate from our Non-CPB ATM Transaction Fees and should disclose their surcharge fee at the beginning of the transaction.4ATM Surcharge Rebates only apply to ATM surcharges from other banks and ATM operators incurred on your Exceptional Checking account or Value Checking account with Plus Package for ATM usage nationwide.5Subject to credit application and approval. Interest charges and other fees may apply.6Requires automatic payment of rental fees from an eligible CPB account.7A Plus Package discounted fee of $4.95 per month is available upon request for seniors age 50 years and above. To begin receiving a Plus Package senior discount, please visit any branch or call our Customer Service Center at (808) 544-0500 or toll-free at 1-800-342-8422.

Rate Schedule for Personal Checking

Interest rates and annual percentage yields are subject to change on a daily basis.
Fees may reduce earnings on accounts.

Annual Percentage Yields and Interest Rates Effective as of: 3/2/2015

Consumer Exceptional Plan Checking Products

InterestRate

AnnualPercentageYield (APY)

MinimumBalance toOpen

MinimumBalance (1) toEarn Interest

InterestCompounded/Paid

Exceptional Checking

The interest rate is determined by the balance tier and is paid on the entire balance of the account.

Tier #1

$1 - $9,999.99

0.03%

0.03%

$500

$1

Daily/Monthly

Tier #2

$10,000 - $49,999.99

0.03%

0.03%

$500

$10,000

Daily/Monthly

Tier #3

$50,000 - $249,999.99

0.04%

0.04%

$500

$50,000

Daily/Monthly

Tier #4

$250,000 & Over

0.05%

0.05%

$500

$250,000

Daily/Monthly

Exceptional Choice Checking

0.02%

0.02%

$500

$1

Daily/Monthly

Our Exceptional Choice Checking account has a special feature that pays a higher interest rate and APY on balances up to $25,000 if the following three transaction requirements are met during the calendar month:

1) 15 or more debit card transactions (point of sale purchases) post to your account (ATM transactions do not qualify);
2) A qualified direct deposit is credited to your account. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regular scheduled income payments (transfers from one account to another do not qualify); and
3) Our Check Safekeeping service applies to your account for your canceled checks (i.e., you do not get your canceled checks or images of your canceled checks with your statements).

​When you meet the transaction requirements and qualify for the tiered interest rates and APYs, two different interest rates and APYs could be paid on your account during the month, depending on your balance. Balances up to $25,000 will earn the Tier #1 interest rate shown below and balances over $25,000 will then earn the Tier #2 rate shown below.

Tier #1

$1 - $25,000

0.15%

0.15%

$500

$1

Daily/Monthly

Tier #2

$25,000.01 & Over

0.02%

0.15%-0.05%*

$500

$25,000.01

Daily/Monthly

*APYs shown are for representative balances of $25,000.01 (0.15%) and $100,000 (0.05%). The APY decreases for larger balances because more interest is earned at the lower interest rate.

(1) This is the daily balance (i.e., the amount of principal in the account each day).

Consumer Checking Products

InterestRate

AnnualPercentageYield (APY)

MinimumBalance toOpen

MinimumBalance (1) toEarn Interest

InterestCompounded/Paid

Value Plus Checking

0.02%

0.02%

$50

$1

Daily/Monthly

Our Value Plus Checking account has a special feature that pays a higher interest rate and APY on balances up to $25,000 if the following three transaction requirements are met during the calendar month:

1) 15 or more debit card transactions (point of sale purchases) post to your account (ATM transactions do not qualify);
2) A qualified direct deposit is credited to your account. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regular scheduled income payments (transfers from one account to another do not qualify); and
3) Our Check Safekeeping service applies to your account for your canceled checks (i.e., you do not get your canceled checks or images of your canceled checks with your statements).

When you meet the transaction requirements and qualify for the tiered interest rates and APYs, two different interest rates and APYs could be paid on your account during the month, depending on your balance. Balances up to $25,000 will earn the Tier #1 interest rate shown below and balances over $25,000 will then earn the Tier #2 rate shown below.

Tier #1

$1 - $25,000

0.15%

0.15%

$50

$1

Daily/Monthly

Tier #2

$25,000.01 & Over

0.02%

0.15%-0.05%*

$50

$25,000.01

Daily/Monthly

*APYs shown are for representative balances of $25,000.01 (0.15%) and $100,000 (0.05%). The APY decreases for larger balances because more interest is earned at the lower interest rate.

(1) This is the daily balance (i.e., the amount of principal in the account each day).